<?xml version='1.0' encoding='UTF-8'?><xml><records><record><source-app name="HighWire" version="7.x">Drupal-HighWire</source-app><ref-type name="Journal Article">17</ref-type><contributors><authors><author><style face="normal" font="default" size="100%">Washington, Ebonya</style></author></authors><secondary-authors></secondary-authors></contributors><titles><title><style face="normal" font="default" size="100%">The Impact of Banking and Fringe Banking Regulation on the Number of Unbanked Americans</style></title><secondary-title><style face="normal" font="default" size="100%">Journal of Human Resources</style></secondary-title></titles><dates><year><style  face="normal" font="default" size="100%">2006</style></year><pub-dates><date><style  face="normal" font="default" size="100%">2006-01-01 00:00:00</style></date></pub-dates></dates><pages><style  face="normal" font="default" size="100%">106-137</style></pages><doi><style  face="normal" font="default" size="100%">10.3368/jhr.XLI.1.106</style></doi><volume><style face="normal" font="default" size="100%">XLI</style></volume><issue><style face="normal" font="default" size="100%">1</style></issue><abstract><style  face="normal" font="default" size="100%">Markup server — Error Not Found The page you were trying to reach could not be found. Please check the address for the page you were trying to reach. If you believe you have reached this page in error, you may contact us with any questions.</style></abstract></record></records></xml>